Credit
Technologies has created a mortgage referral program that does not
involve the release of any consumers information. This program
delivers mortgage referrals to our mortgage broker and lender clients
nationwide - free of charge.

Here's how it
works,

Thousands of
consumers visit CreditTechnologies.com each day (currently more than 20,000
each month) many of whom are searching for the best mortgage or
refinance opportunity. We refer
each consumer that contacts us to mortgage professionals certified to
offer our credit rescoring services that are located, or licensed to
originate loans within their immediate area - it's that simple.

For a sample of
what drives mortgage applicants to our clients nationwide, take a look
in our consumer
section

Credit
Technologies does NOT,

We do NOT
provide any information whatsoever regarding our client's
borrowers, this includes the sale of any applicant information.
The referrals we generate are based solely on consumers visiting
CreditTechnologies.com in search of a mortgage professional, or
those seeking a second opinion on an existing mortgage offering.

We do NOT
use email as a consumer marketing program. Credit Technologies
does not engage in unsolicited commercial email (SPAM.)

As many
variables exist including your geographic area, we do NOT provide
estimates or guarantee the number of referrals provided to a
specific lender or broker at any time.

Mortgage
referrals are provided free of charge to all clients that have chosen Credit
Technologies as their primary provider of credit services, are in good standing
and have completed our free Mortgage Alchemy course. At this time there is no option to purchase these referrals, or secure any
preferential treatment.

While we cannot
estimate how many free referrals you will receive during any time period,
we guarantee it will be more than are provided by your current credit reporting agency.

A
Warning About Trigger Leads - and The TriggerProof™ Solution

There is a
disturbing practice in the credit reporting industry. The credit
repositories are selling consumer data based on mortgage permissible purpose
inquiries as
sales leads often referred to as trigger leads. This program can
result in your applicants’ data being subject to query and sale to
competing brokers, lenders or worse yet - marketing companies which in
turn resell them again as leads to untold numbers of mortgage
brokers/lenders. All of this can occur within hours of your
inquiry and this information can be filtered
in such a way that the consumer often believes the unsolicited caller
is looking at an actual copy of their credit report.

As this data is being sold by the
repositories, it largely does not matter what credit reseller you
obtain your credit reports through, nor is it possible for you to do anything with reference to your
account with your credit bureau to avoid your applicants' personal
information being sold through trigger leads. When your account is established with your credit
reporting agency, the permissible purpose code is set and must reflect
the intended use (i.e. mortgage/real estate lending.) Any attempt to
"fool" the system would fail as physical inspections are
required by all repositories to verify the intended use of the credit
data.

There is an Opt-Out process whereby a consumer can remove themselves
from most marketing programs (888-5-OPTOUT or https://www.optoutprescreen.com
) however,
this process takes up to 5 days to become effective – so it is of
little value in protecting mortgage applicants from trigger leads. We
are now seeing complaints from consumers that indicate they followed
the opt-out process and were still subject to unsolicited contacts
through trigger leads.

TriggerProof™
Your Applicants, and Your Pipeline

Failing to
protect your applicants from the abuses of trigger leads often results
in the belief "you" were the source of their personal
information
being provided to dozens of other brokers and lenders. Credit
Technologies has developed an education program to protect your
applicants against the onslaught of competitors buying their personal
information. The TriggerProof™ program not only teaches you how to
prevent the loss of a client, it gives you the resources to actually benefit
from the actions of your competitors. TriggerProof™ is part of our
Mortgage Alchemy program and is available exclusively
to Credit Technologies' clients.

Credit Technologies Will Never Sell
Information Pertaining to You or Your Borrower

Credit Technologies does not participate in the sale of Trigger
Leads, nor any data concerning our clients or applicants. We suggest that you review the policies of your current credit
reporting agency as many are now actively promoting the sale of your
borrowers data to competing mortgage brokers and lenders. We believe
these tactics to be grossly inappropriate, resulting in unsuspecting
consumers being deluged with unwelcome solicitations. In many cases
your borrowers may receive phone calls to their residence or place of
business from other mortgage brokers or lenders who have purchased their
information within days of meeting with your loan officer.

To learn more
about the TriggerProof™ program, or any Credit Technologies product or
service, call 800.445.4922. we'll be happy to answer any
questions you may have.